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Men are often capable of greater things than they perform. They are sent into the world with bills of credit, and seldom draw to their full extent. --Horace Walpole, novelist and essayist (1717-1797)

(48:7.4) Few persons live up to the faith which they really have.

(48:7.6) Few mortals ever dare to draw anything like the sum of personality credits established by the combined ministries of nature and grace. The majority of impoverished souls are truly rich, but they refuse to believe it.

(28:6.5) The Memory of Mercy discloses the moral debt of the children of mercy—their spiritual liabilities—to be set down against their assets of the saving provision established by the Sons of God. In revealing the Father's pre-existent mercy, the Sons of God establish the necessary credit to insure the survival of all. And then, in accordance with the findings of the Significance of Origins, a mercy credit is established for the survival of each rational creature, a credit of lavish proportions and one of sufficient grace to insure the survival of every soul who really desires divine citizenship.

(28:6.7) The Memory of Mercy must show that the saving credit established by the Sons of God has been fully and faithfully paid out in the loving ministry of the patient personalities of the Third Source and Center. But when mercy is exhausted, when the "memory" thereof testifies to its depletion, then does justice prevail and righteousness decree. For mercy is not to be thrust upon those who despise it; mercy is not a gift to be trampled under foot by the persistent rebels of time. Nevertheless, though mercy is thus precious and dearly bestowed, your individual drawing credits are always far in excess of your ability to exhaust the reserve if you are sincere of purpose and honest of heart.

Horatio Walpole, 4th Earl of Orford (24 September 1717 – 2 March 1797), also known as Horace Walpole, was an English art historian, man of letters, antiquarian and Whig politician.
He had Strawberry Hill House built in Twickenham, south-west London, reviving the Gothic style some decades before his Victorian successors. His literary reputation rests on the first Gothic novel, The Castle of Otranto (1764), and his Letters, which are of significant social and political interest. They have been published by Yale University Press in 48 volumes.
He was the son of the first British Prime Minister Sir Robert Walpole. As Horace Walpole was childless, on his death his barony of Walpole descended to his cousin of the same surname, who was created the new Earl of Orford.